Employment Benefits

Effective: 01/01/2025-12/31/2025

Eligibility & Enrollment

Eligibility: Full-time employees (30+hours/week) and their dependents.
Start Date: Benefits begin the first of the month following 30 days of full time employment.
Changes: Allowed during open enrollment or within 30 days of a qualified life event (Marriage, birth, etc).

Medical Insurance (Anthem - Blue Cross Silver PPO8BJP)

Deductible:
- Individual:
  - $6,000 (Health Sync)
  - $7,500 (Blue Access)
  - $22,500 (Out-of-Network)
- Family:
  - $12,000 (Health Sync)
  - $15,000 (Blue Access)
  - $45,000 (Out-of-Network)
Copays:
- PCP Visit:
  - $25 (Health Sync)
  - $60 (Blue Access)
- Specialist Visit
  - $50 (Health Sync)
  - $100 (Blue Access)
- Urgent Care:
  - $50 (Health Sync)
  - 40% After Deductible (Blue Access)
- ER Visit:
  - $800 + 20% after deductible
RX Coverage (Retail 30-Day Supply):
- Tier 1: $10
- Tier 2: $60
- Tier 3: $125
- Tier 4: $400
GAP Plan (Am First - Morgan White)
- Provides extra coverage to reduce out-of-pocket medical costs.

Voluntary Dental Insurance (MetLife)

Deductible:
- $50 Individual
- $150 Family
Annual Max Benefit: $1000 per person
Coverage:
- Preventative (Exams, Cleanings, X-rays): No Charge
- Basic (Fillings, Space Maintainers): 20%
- Major (Crowns, Bridges, Dentures, Endodontics, Periodontics): 50%
- Orthodontics (Lifetime Max $1000): 50%

Voluntary Vision Insurance (VSP)

Exam: $20 copay (Every 12 months)
Frames: $130 allowance + 20% off (Every 24 months)
Lenses (Every 12 months)
- Single/Bifocal/Trifocal: $20 copay
Contacts (Instead of Glasses):
- Elective: $130 allowance
- Medically Necessary: Covered in Full

Flexible Spending Accounts (FSA) (iSolved)

Health FSA (Max $3,300/year) - Covers medical, dental, vision, Rx, deductibles, copays, etc.
Dependent Care FSA (Max $5000/Household or $2,500 if married filing separately) - Covers childcare, after-school care, summer day camps, elder care, etc.

Life & Disability Insurance (Metlife)

Employer-Paid Basic Life and AD&D:
- 2x Basic Annual Earnings (Up to $150,000)
- Benefit Reduction: 35% at age 65, 50% at age 70
- Accelerated Death Benefit: 50% of coverage if terminally ill
Voluntary Life and AD&D:
- Employee: Up to $500,000 (in $10,000 increments)
- Spouse: Up to $100,000 (In $5,000 increments)
- Child: $1000-$10,000
- Guaranteed Issue Amounts:
  - Employee $100,000
  - Spouse: $25,000
  - Child: $10,000

Disability Insurance (MetLife)

Voluntary Short-Term Disability:
- Benefit: 60% of weekly earnings (up to $1000/week)
- Waiting Period:
  - 1st day for accident
  - 8th Day for illness/pregnancy
- Duration: Up to 26 weeks
Voluntary Long-Term Disability:
- Benefit: 60% of monthly earnings (Up to $6,000/Month)
- Waiting Period: 180 days
- Duration: Until Social Security Normal Retirement Age
- Pre-Existing Condition Limitation: 12 Months

Retirement Plans (Fidelity Investments)

Fidelity Retirement Plan (66823) - Employer Contributions Only:
- No waiting period to enroll - employees can enroll anytime.
- Eligibility for Employer Contributions
  - You must complete 6 months of employment and work at least 1000 hours.
  - Company contributes 14.3% of eligible compensation to your account each pay period.
  - Employees cannot contribute to this plan
Fidelity 457(b) Plan (66824):
- Additional deferred compensation plans are available for employees.

Supplemental Insurance

Globe Life Liberty National Insurance - Offers additional supplemental insurance options for employees.

Employees Costs (Bi-Weekly Rates)

Medical + GAP

Dental

Vision

Contact Information

Medical:

Dental:

Vision

Retirement